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How to Dispute a BMO Debit Card Charge! (2024) Fraud Protection GuideIn the event of an overdraft, your line of credit will be accessed automatically up to your available credit limit. BMO ATM and Debit Card. Free. BMO ATM Mini. To prevent you from incurring fees, we may limit or restrict you from completing these types of transactions (Debit card purchases, KONEK. These payments will not be loaded to your prepaid credit card and BMO will refund the payment to the originating account. The maximum load amount from BMO is.